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Re: Lamps for S.A.D. problem

I assume you live in the U.S. Here is a list I got from a medical resource for doctors called UpToDate. I have no personal experience with these companies. If you want to PM me your email address, I can send you the full article Hughes Lighting Technologies 34 Yacht Club Drive Lake Hopatcong, NJ 078...
by DTSC
Mon Nov 24, 2014 9:18 pm
 
Forum: Personal Consumer Issues
Topic: Lamps for S.A.D. problem
Replies: 15
Views: 1482

Re: What to prepare for first baby due next month?

Rectal thermometer. Cheap and more accurate than the scan type. . Hold off on the thermometer. Sometimes the hospital will send you out with a kit - such as nail clipper, thermometer, bulb syringe. BTW, it's not unusual for a baby's fingertips to bleed the first time you trim it's nails. Don't feel...
by DTSC
Thu Nov 20, 2014 10:07 am
 
Forum: Personal Finance (Not Investing)
Topic: What to prepare for first baby due next month?
Replies: 55
Views: 2732

Re: What to prepare for first baby due next month?

Get adequate life insurance for you and your partner...
by DTSC
Wed Nov 19, 2014 2:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to prepare for first baby due next month?
Replies: 55
Views: 2732

Re: Grade me

A stay at home spouse can still put $5500 per year into a traditional or Roth IRA
by DTSC
Sat Nov 15, 2014 9:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Grade me
Replies: 12
Views: 1351

Re: Need Help with an Xbox purchase ...

Why don't you ask them? They'll tell you exactly which one to buy.
by DTSC
Sat Nov 15, 2014 9:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need Help with an Xbox purchase ...
Replies: 10
Views: 823

Re: Father of eight hasn’t saved a penny for college

How much can one save after housing, clothing and feeding 8 kids?
by DTSC
Fri Nov 14, 2014 10:00 am
 
Forum: Personal Consumer Issues
Topic: Father of eight hasn’t saved a penny for college
Replies: 47
Views: 2712

Re: Appliance Protection Plan

I never buy the protection plan. I just cross my fingers and hope it doesn't break down before the warranty runs out.

BTW, you might want to shop at abt.com - rated best in Consumer Reports
by DTSC
Fri Nov 14, 2014 12:16 am
 
Forum: Personal Consumer Issues
Topic: Appliance Protection Plan
Replies: 13
Views: 716

Re: Obligation to Parents?

I come from an Asian background and my husband is white. My parents were frugal and managed to save up over a million for retirement on a blue collar salary. So yes, you could say there were responsible. However, due to my sibling basically defrauding them of all their money, and then some serious ...
by DTSC
Thu Nov 13, 2014 2:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Obligation to Parents?
Replies: 77
Views: 3701

Re: Obligation to Parents?

Consider this: Can you (or your wife) stomach it when the in-laws are eating Alpo in a 40 degree house? If you can tolerate it less than the other siblings, you'll be sending them a check. Responsibility falls on those who pick it up. I think so. Her family often jokes with her about her not having...
by DTSC
Thu Nov 13, 2014 12:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Obligation to Parents?
Replies: 77
Views: 3701

Re: Obligation to Parents?

Consider this: Can you (or your wife) stomach it when the in-laws are eating Alpo in a 40 degree house? If you can tolerate it less than the other siblings, you'll be sending them a check.

Responsibility falls on those who pick it up.
by DTSC
Thu Nov 13, 2014 11:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Obligation to Parents?
Replies: 77
Views: 3701

Re: If your networth is over $3 million, how did you do it?

letsgobobby wrote:
    high income
    family paid for college
    successful market timing, I regret to say
    no major life traumas

Really, there is no substitute for the ability to make and save a lot of money.


There is a better substitute - to be born into it or inherit it!
by DTSC
Wed Nov 12, 2014 5:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: If your networth is over $3 million, how did you do it?
Replies: 248
Views: 24309

Re: Approach to student debt advice

Usually, I'd recommend paying down the student loan because you are getting 6.8% return, risk free. However, since she still appears to see the the cash stash as "her" money, you're probably better off just sitting tight. If you are making $150-250K, you'll pay the student loans off soon e...
by DTSC
Tue Nov 11, 2014 3:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Approach to student debt advice
Replies: 32
Views: 3684

Re: Dealer wants my 2011 Prius, what should I do?

Don't waste your time. They are trying to get you to go to the showroom and look at the new cars. Once you see a new one which you fall in love with, they'll offer you an insultingly low price for your trade in.
by DTSC
Tue Nov 11, 2014 12:42 am
 
Forum: Personal Consumer Issues
Topic: Dealer wants my 2011 Prius, what should I do?
Replies: 16
Views: 2044

Re: Buying Furniture

I heard this straight from my patient who is a furniture store salesman. The mark up for furniture is up to 4-5x what they paid for it. This means they're still making enough money after giving you a 70% discount (enough to pay the salesman's commission anyhow)
by DTSC
Mon Nov 10, 2014 3:56 pm
 
Forum: Personal Consumer Issues
Topic: Buying Furniture
Replies: 27
Views: 1867

Re: Job advice - academic physician career move?

Regardless of profession, kids being able to spend time with grandparents is priceless. Being in same town as aging/ill parents is extremely important too, especially if you are an only child.

Non-academic physician here. My view is that you can't eat prestige...
by DTSC
Thu Nov 06, 2014 11:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Job advice - academic physician career move?
Replies: 35
Views: 2934

Re: Career Advice for an Unhappy Young Doctor?

Maybe I didn't read the OP's post carefully, but did he ever mention exactly how much she owes? If she owes $50K, it's easy to get out. $250K, not so much.
by DTSC
Thu Nov 06, 2014 11:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Career Advice for an Unhappy Young Doctor?
Replies: 116
Views: 13297

Re: Career Advice for an Unhappy Young Doctor?

My advice earlier was to start looking for a new job, and take some time off between your new job and the current one. I had a buddy take almost 3 months off like that. I moonlighted during residency and then a month after residency. Took 6 weeks for myself before starting my real job. -E Moonlight...
by DTSC
Tue Nov 04, 2014 10:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Career Advice for an Unhappy Young Doctor?
Replies: 116
Views: 13297

Re: $116k Med School Debt - Pay Off or PSLF?

-I don't think we are able to write off interest on student loans b/c of our income If you have enough home equity, you can take out a home equity loan to pay down the student loan and possibly get some mortgage interest deduction. Of course, this converts part of her loan to your (collective) loan.
by DTSC
Thu Oct 30, 2014 9:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: $116k Med School Debt - Pay Off or PSLF?
Replies: 44
Views: 2643

Re: $116k Med School Debt - Pay Off or PSLF?

$116K isn't much given your high income. I'd just live like a resident for 3 years and pay it off.
by DTSC
Thu Oct 30, 2014 2:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: $116k Med School Debt - Pay Off or PSLF?
Replies: 44
Views: 2643

Re: I Strayed From The Path...Forgive Me.

Don't be so hard on yourself. I attended the Bogleheads conference last week. During our visit to Vanguard, there was a question and answer session with 4 senior Vanguard staff. A question from the audience was whether any of these folks use active management for their personal portfolios. Guess wha...
by DTSC
Wed Oct 29, 2014 1:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: I Strayed From The Path...Forgive Me.
Replies: 34
Views: 5701

Re: New appliances - Stainless Steel or not?

You mentioned that you wife wanted stainless steel. I guess that settles that.
by DTSC
Tue Oct 28, 2014 8:05 pm
 
Forum: Personal Consumer Issues
Topic: New appliances - Stainless Steel or not?
Replies: 56
Views: 3383

Re: New appliances - Stainless Steel or not?

We got stainless this time around. Big mistake. Lots of fingerprints, esp as we have young kids...
by DTSC
Tue Oct 28, 2014 11:28 am
 
Forum: Personal Consumer Issues
Topic: New appliances - Stainless Steel or not?
Replies: 56
Views: 3383

Re: Your Thoughts on my Portfolio

Responding more to give you a bump. If you have >$10M, why not pay off all the mortgages? Interest rate is so low and I can use the deduction. When the house sells I will be mortgage free. Till then it didn't seem to make sense to incur cap gains to raise the cash to pay off the mortgage. I agree t...
by DTSC
Mon Oct 27, 2014 9:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Your Thoughts on my Portfolio
Replies: 16
Views: 1347

Re: Your Thoughts on my Portfolio

Responding more to give you a bump.

If you have >$10M, why not pay off all the mortgages?
by DTSC
Mon Oct 27, 2014 3:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Your Thoughts on my Portfolio
Replies: 16
Views: 1347

Re: Snow Blower

I just bought a used 2 stage 5 HP snowblower from a small engine repairman/ business for $250 which I found on Craigslist. The same machine new would probably cost $700. It's a much lower financial risk for a machine which I might use 4-5 times per winter.
by DTSC
Tue Oct 07, 2014 10:02 pm
 
Forum: Personal Consumer Issues
Topic: Snow Blower
Replies: 49
Views: 2850

Re: Evaluating small life insurance policies with poor healt

What's the point of a $10k policy except to cover funeral expenses?
by DTSC
Fri Oct 03, 2014 9:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Evaluating small life insurance policies with poor health
Replies: 4
Views: 490

Re: Is my husband a spendthrift? Or I a tightwad?

You might want to check out this Freakonmics podcast regarding teaching kids a foreign language. They basically think it's a waste of time and money. How often do you and your husband use that skill? http://freakonomics.com/2014/03/06/is-learning-a-foreign-language-really-worth-it-a-new-freakonomics...
by DTSC
Fri Oct 03, 2014 10:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Is my husband a spendthrift? Or I a tightwad?
Replies: 198
Views: 16526

Re: Is my husband a spendthrift? Or I a tightwad?

I do agree with others that you have spending issues.

Hopefully not going too far off topic, but would buying a time share instead of an entire house solve the ski lodge problem?
by DTSC
Thu Oct 02, 2014 3:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is my husband a spendthrift? Or I a tightwad?
Replies: 198
Views: 16526

Re: Is my husband a spendthrift? Or I a tightwad?

I'd like to propose new "mechanics" for dividing up responsibility and paying bills. Open 3 checking accounts: his, hers, family expenses. Then you each get a separate credit card linked to your separate account and you each have a credit card for paying family expenses. The groceries sou...
by DTSC
Wed Oct 01, 2014 1:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is my husband a spendthrift? Or I a tightwad?
Replies: 198
Views: 16526

Re: Is my husband a spendthrift? Or I a tightwad?

I'm confused. Is he getting $60 a week + $20 in a savings account as you said in your first post, or $600 as you said in the last post? Or is it that the $600 per week covers groceries and gas, and $60 is the "fun money" portion of the $600? Sorry I was confusing! Phase I of Life with a B...
by DTSC
Tue Sep 30, 2014 11:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is my husband a spendthrift? Or I a tightwad?
Replies: 198
Views: 16526

Re: Is my husband a spendthrift? Or I a tightwad?

It depends on your household income. He's overspending if you guys bring in $50K. You're a tightwad if it's $250K.
by DTSC
Tue Sep 30, 2014 8:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is my husband a spendthrift? Or I a tightwad?
Replies: 198
Views: 16526

Re: OBi110 -or- Ooma Telo for home phone service?

If you do this, you must have the phone company (or someone else) disconnect your inside wiring from the outside wires. Otherwise your device will try to supply voltage to all the phone outlets in the world. :oops: I'm doing this already, but did not have the phone company do anything. I have had n...
by DTSC
Thu Sep 18, 2014 1:40 pm
 
Forum: Personal Consumer Issues
Topic: OBi110 -or- Ooma Telo for home phone service?
Replies: 33
Views: 1231

Re: OBi110 -or- Ooma Telo for home phone service?

I'm very happy with my Ooma. You can get a refurbished or used box from Newegg (sometimes) or eBay for about $90. I just pay <$4 per month in taxes.

Oops! I see you bought the Obi already
by DTSC
Thu Sep 18, 2014 1:37 pm
 
Forum: Personal Consumer Issues
Topic: OBi110 -or- Ooma Telo for home phone service?
Replies: 33
Views: 1231

Re: best place to buy kitchen appliances

Try abt.com Number 1 rated in Consumer Reports. We bought an induction range and dishwasher from them recently. Beat Sears and Best Buy on sale by an additional 5-10%
by DTSC
Wed Sep 03, 2014 10:59 pm
 
Forum: Personal Consumer Issues
Topic: best place to buy kitchen appliances
Replies: 26
Views: 2571

Re: 18 and Need Help Starting

Deal dope until you're 33. You're either

1) Make a lot of money and be able to a low cost of living state or country afterwards
2) Be dead
or
3) Be in prison - but your meals and shelter will be covered - you'll have a boyfriend too!
by DTSC
Tue Sep 02, 2014 11:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: 18 and Need Help Starting [Classroom research assignment]
Replies: 67
Views: 4429

Re: Costco:is it worth it for just two people?

Depends on what and how much you buy. In my experience their customer service is excellent. You can sign up for 1 year. If you don't find it worthwhile after 11 months, you can cancel and ask for your membership fee back. So there's really no risk to you.
by DTSC
Sun Aug 31, 2014 11:15 am
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 143
Views: 12749

Re: How to safely sell a big ticket item online

Tell them to bring you cold hard cash!
by DTSC
Wed Aug 27, 2014 10:36 am
 
Forum: Personal Consumer Issues
Topic: How to safely sell a big ticket item online
Replies: 42
Views: 2830

Re: Is it me, or are "collectibles" worthless in 2014?

Someone much smarter than I am can probably explain why it's the case, but I think that you're right. More than a decade ago, I sold some Pan Am memorabilia on consignment on eBay and got decent money for them. I'm no longer in that business, but if I were, I would not take on those items today. . ...
by DTSC
Tue Aug 26, 2014 1:29 pm
 
Forum: Personal Consumer Issues
Topic: Is it me, or are "collectibles" worthless in 2014?
Replies: 79
Views: 6721

Re: Lipitor at Costco with Membership

And you can get higher strength pills, such as 40 mg, and cut them in half. That's what the VA does with its patients all the time.
by DTSC
Wed Aug 13, 2014 9:56 pm
 
Forum: Personal Consumer Issues
Topic: [Low cost] Lipitor
Replies: 13
Views: 1602

Re: I am thinking of buying Ooma or Magicjack need help deci

It will be my only phone. Do you have a cell phone? Before completely cutting the cord, test your ISP. Jitter, latency, packet loss or other poor quality of service (QoS) will render VOIP completely unintelligible. I've found that QoS with my network and ISP (Comcast) can vary widely from day to da...
by DTSC
Thu Jul 03, 2014 2:31 pm
 
Forum: Personal Consumer Issues
Topic: I am thinking of buying Ooma or Magicjack need help deciding
Replies: 52
Views: 4484

Re: Moving back to the U.S. - Any ideas on a hatchback car?

Mazda 3. Ours is new, but it is an amazing car. Great mileage. Great driving. Great safety rating. Great reliability reputation. Couldn't be more positive. +1 My 2012 Mazda 3 with the Skyactive system gets over 40 mph on the highway. Fun to drive. I paid <$25,000 a new automatic model, with all the...
by DTSC
Mon Jun 23, 2014 10:13 pm
 
Forum: Personal Consumer Issues
Topic: Moving back to the U.S. - Any ideas on a hatchback car?
Replies: 33
Views: 2070

Re: Is Medical School Worth it Financially?

Off the topic a bit, but this reminds me of the patient I was most jealous of in my entire life. He was this really easy going, good natured chap who at 53 was retired with full pension and paid $100/ month for medical. He was telling me he used to goof off all the way through high school. He knew ...
by DTSC
Mon Jun 23, 2014 2:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Medical School Worth it Financially?
Replies: 66
Views: 5521

Re: Is Medical School Worth it Financially?

Anecdotally, the engineers I know are doing far worse financially than the medical doctors. Still, these are both well-remunerated professions. Any engineer or medical doctor who finds their career enjoyable is, in my mind, a very lucky person. If you chose medicine but would have been equally happ...
by DTSC
Mon Jun 23, 2014 2:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Medical School Worth it Financially?
Replies: 66
Views: 5521

Re: Credit union with good online bill pay?

I am very happy with Alliant Credit Union.

You just have to tell them you're a member of a PTA to be elibigle
by DTSC
Sat Jun 14, 2014 4:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit union with good online bill pay?
Replies: 29
Views: 1872

Re: Engagement Ring - Diamond Help

Here is my experience: Men care about the color and cut and clarity and all that. For women, SIZE matter more than anything else. My wife walks into a room and she immediately knows how big every other woman's rock is. Unless it's a very yellow stone (worse than I or J) no one else cares what color...
by DTSC
Fri Jun 13, 2014 12:19 am
 
Forum: Personal Consumer Issues
Topic: Engagement Ring - Diamond Help
Replies: 61
Views: 4633

Re: Engagement Ring - Diamond Help

Here is my experience: Men care about the color and cut and clarity and all that. For women, SIZE matter more than anything else. My wife walks into a room and she immediately knows how big every other woman's rock is. Unless it's a very yellow stone (worse than I or J) no one else cares what color ...
by DTSC
Fri Jun 13, 2014 12:08 am
 
Forum: Personal Consumer Issues
Topic: Engagement Ring - Diamond Help
Replies: 61
Views: 4633

Re: engineers - please help with engineering school selectio

Again, at a place like MIT or Stanford, you can do graduate level research work as an undergraduate - with the best researchers in the country. Really? Most students at MIT or Stanford get to do graduate level research as an undergraduate - working closely with the best researchers in the country? ...
by DTSC
Thu Jun 12, 2014 11:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: engineers - please help with engineering school selection
Replies: 119
Views: 5679

Re: Apple looks interesting right now

Got plenty of it in my VINIX and VTSMX funds
by DTSC
Tue Jun 10, 2014 10:40 pm
 
Forum: Investing - Theory, News & General
Topic: Apple looks interesting right now
Replies: 35
Views: 2516
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